HWBK vs QCRH vs JPM

For growth investors, JPMorgan Chase & Co.

(JPM) is the stronger pick with 3. 3% revenue growth year-over-year, versus 1. 5% for QCR Holdings, Inc. (QCRH). Hawthorn Bancshares, Inc. (HWBK) offers the better valuation at 11. 0x trailing P/E, making it the more compelling value choice. Analysts rate QCR Holdings, Inc. (QCRH) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Hawthorn Bancshares, Inc.

(HWBK) is the cheapest at 11. 0x versus JPMorgan Chase & Co. at 16. 0x. On forward P/E, QCR Holdings, Inc. is actually cheaper at 11. 8x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: QCR Holdings, Inc. wins at 0. 81x versus JPMorgan Chase & Co. 's 0. 81x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, JPMorgan Chase & Co.

(JPM) delivered a total return of +118. 2%, compared to +95. 3% for Hawthorn Bancshares, Inc. (HWBK). Over 10 years, the gap is even starker: JPM returned +465. 8% versus QCRH's +254. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Hawthorn Bancshares, Inc.

(HWBK) is the lower-risk stock at 0. 35β versus JPMorgan Chase & Co. 's 0. 94β — meaning JPM is approximately 170% more volatile than HWBK relative to the S&P 500. On balance sheet safety, QCR Holdings, Inc. (QCRH) carries a lower debt/equity ratio of 56% versus 3% for JPMorgan Chase & Co. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), JPMorgan Chase & Co.

(JPM) is pulling ahead at 3. 3% versus 1. 5% for QCR Holdings, Inc. (QCRH). On earnings-per-share growth, the picture is similar: Hawthorn Bancshares, Inc. grew EPS 31. 4% year-over-year, compared to 1. 5% for JPMorgan Chase & Co.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

QCR Holdings, Inc.

(QCRH) is the more profitable company, earning 21. 3% net margin versus 20. 4% for JPMorgan Chase & Co. — meaning it keeps 21. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HWBK leads at 26. 0% versus 22. 8% for QCRH. At the gross margin level — before operating expenses — HWBK leads at 71. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, QCR Holdings, Inc. (QCRH) is the more undervalued stock at a PEG of 0. 81x versus JPMorgan Chase & Co. 's 0. 81x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, QCR Holdings, Inc. (QCRH) trades at 11. 8x forward P/E versus 14. 4x for JPMorgan Chase & Co. — 2. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for QCRH: 6. 9% to $103. 00.

All stocks in this comparison pay dividends.

Hawthorn Bancshares, Inc. (HWBK) offers the highest yield at 2. 1%, versus 0. 3% for QCR Holdings, Inc. (QCRH).

For long-horizon retirement investors, Hawthorn Bancshares, Inc.

(HWBK) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 35), 2. 1% yield, +301. 1% 10Y return). Both have compounded well over 10 years (HWBK: +301. 1%, QCRH: +254. 2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

HWBK, JPM pay a dividend while QCRH does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.